Phone: 281.996.0040

Fax: 281.280.0405

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 11/21/2017:  Thoughts After the Hurricane

 If you are reading this, you survived Hurricane Harvey.  Maybe you got your house flooded, maybe your roof started leaking in several different places, maybe some wind driven rain creeped in through your window sill. Maybe you had nothing at all, or maybe you stood in 4 feet of water and were rescued!!!  

Hopefully, if you had major damages, you were able to file a claim and go through insurance to get some help with restoration.  If so, you may have had to wait….it happens in catastrophes when millions and millions of people are calling and filing claims.  Maybe you are still waiting for that final resolution with insurance.  If that is the case, you are one of the unlucky ones who slipped through the cracks or had an issue with a slow claims adjustor or for whatever reason, you are waiting.  I am sorry.  It never fails to happen in catastrophic situations when millions of claims are filed. Someone will get messed over.  But I will remind you that if you are reading this…..then you are alive.  It is a reason to be thankful.  And hopefully, you are turning the page, like the rest of us.

I throw myself in that mix, because our office flooded.  It was nothing short of a major disaster, folks.  Our office was scheduled to move locations, we had made arrangements to do this a month in advance, and the weekend that Hurricane Harvey rolled in just so happened to be the weekend that we were going to start moving.  We moved some of our stuff on the Thursday before the storm, but some of our stuff was still at the old office. We could not move everything because services had not been transferred yet!!  Then, we braced ourselves and suffered through Harvey right along with the rest of you, with an added element of stress……we work in insurance!!!!  Lol.  Half our stuff was at the old office, and the roads were so flooded, there was literally no way to get there... for about 5 days. (We were trying every day.) So, the Monday after the storm, Leanna and I set up shop at my personal house.  We were getting our calls forwarded to my personal home phone line. We lost one of our phone lines and the ability to fax….the fax machine was at the old office....but we were up and running.  This was before the networks at my house started going down.  The phone would no longer forward calls and would only issue a busy signal.  The internet kept going down off and on intermittently as my carrier just could not sustain the massive amount of service calls and repairs that were needed all around the Clear Lake and Houston area.  My boss and I were in constant contact day and night on my cell phone as we scrambled for exactly what to do.

I felt so helpless.  All I wanted to do was be able to answer the office calls for my customers and help them.  For those two or three days when our office line was down, I was a MESS.  I wanted to be there for my customers…. even if I couldn’t do anything but talk, talking is huge!!!! Just to give them the comfort of sharing their stories to a sympathetic ear.  Just to reassure them and love on them and help them have the confidence that everything would be ok eventually.  To be a voice of reason in the aftermath of an absolutely horrific event.  You see, my job isn’t just about selling insurance and providing service.  For me, it is about wanting to love on people with my life.  I called the office number constantly when our forwarded line went down, only to get a busy signal, and it hurt.  I wish I could have known in advance what all would happen and have prepared our office better.  I think next time, I will.  I will be researching options for this office in the months before storm season next year, just in case...  

Leanna and I worked our tails off out of my house for two or 3 weeks as the phones blew off the hook.  Once he could get in there, Lane risked his health and worked out of our moldy flooded office.  (Our landlord did not do a thing to our office because her personal house was in 5 feet of water!!)  And the companies providing phone and internet service to our new office address could not provide the services on time because of the hurricane. (They were inundated with current service and repair calls and could not schedule new service.) So, we had to tough it out and delay our move to the new location. With Lane in one place and Leanna and I in another place…. our office equipment divided and networks working only intermittently....getting telephone calls literally every single minute every day from 8:30 am-5 pm.  At the end of each day, Leanna and I were absolutely mentally EXHAUSTED. But we made it.  And, as I had to remind myself daily....we were alive.

And now, we turn the page with you, dear customers.  We have suffered together and seen each other through one of the worst recorded flooding events in United States history.  We thank you for your patience and your understanding as our office transitioned to a new location at the WORST possible time.  We thank you for having navigated the claims process in a catastrophic situation, which is not an easy thing to do, and we apologize to those of you who had (or continue) to wait.  We continue to fight for you and want to hear from you if you were unhappy with anything that happened with your insurance in any way.  Call us if you are so inclined. Even if just to say hi and let us know how you have been since the storm.  Even if just to get some guidance.  Because we do care about you.   And we have 3 phone lines that are working like clockwork right now. ;-) 281-996-0040

 

Blessings,

Kristin Jones   
McKinney Insurance TWFG


01/24/2012: Insurance is a Bitter Old Lady

 

If insurance is a person, she is a bitter old lady named Cordelia. She has a ton of money, but a lot of whiny, needy family members with open hands. In the past, she may have been more generous with her money; she used to readily help people out and not be so stingy; but now, she is sick of people taking advantage of her.

 

See, Cordelia may be tight with her money at this point in her life, but all of her needy family members want their piece of the pie, whether they deserve it or not. This old woman has to figure out who to give her money to and whether or not it's legit. And she has her family call her a stingy crab if she doesn't.

Her nephew says, “I need a new car!!” (Little does Cordelia know, her nephew drove his car deliberately into the lake.) Her niece says, “Pay for me a new roof!!” (Little does Cordelia know, her niece got up on top of her roof after the storm and pulled up some shingles.) Her granddaughter says, “A fire destroyed my kitchen, pay for a new one!” (Little does Cordelia know, her granddaughter actually set her kitchen aflame.) Granny Cordelia used to be an innocent old lady, but now she is skeptical and jaded.

 

Cordelia shouldn’t have to pay for non-maintenance, either. "Cordelia, my pipe has been leaking in the shower for 15 years and has caused this water damage to my bathtub, I need the whole thing replaced." Really? Cordelia may have paid for that at one point in her life, but now, she’ll tell you that you saw it coming. You knew what it was doing for 15 years--why didn’t you fix it? Or, “Cordelia, my 30-year-old air conditioner is broken, can I get some money to replace it?” Well no, you said your a/c system was thirty years old, you should have replaced it already! You see, Cordelia is only supposed to pay for emergencies caused by a peril—hurricane, fire, theft, explosion--sudden and accidental catastrophes that could not have been prevented.

 

Is this a perfect analogy? No, because people pay Cordelia every month and of course they want to get their money’s worth. And they have every reason to be bitter about paying her, because no one likes to pay for something they hope not to use. But Cordelia has to have that money to pay out on the big emergencies. She may get money every month, but she is constantly getting berated with nickel and dime claims, or fraudulent/illegitimate claims that she sometimes has to pay because of a technicality. We see her being stingy, but at least we have a better understanding of why.

 

And you know what else? I have seen Cordelia save people’s lives. I have seen her pay out thousands--people do get their roofs replaced, their kitchens remodeled, new cars when their car is stolen, etc. Cordelia writes checks for thousands of dollars, sometimes tens of thousands or even hundreds of thousands, every day. According to the Houston Chronicle, Cordelia wrote a $15 BILLION dollar check for Hurricane Ike. (http://www.chron.com/business/article/National-pricetag-for-Ike-15-billion-insurers-1709093.php) That's a fat check!! So, if you think Cordelia is a stingy old biddy, you might be right. But she does have reason to be that way, and she might also save your tookus someday.

 

Kristin Jones

McKinney Insurance TWFG

 
 
01/16/2012: Effects of Hurricane Ike

 

It has been over 3 years since Hurricane Ike put a direct hit on us in the Galveston-Clear Lake area. You would think that not having a direct hit for almost 25 years prior to Hurricane Ike and nothing happening within the last 3 years would help lower our home insurance rates.

 

NOT SO !!.... With weather forecasters constantly predicting "Record Storms This Year" at the beginning of each year,the insurance companies have been raising their prices to offset these forecasts. The forecasts of numerous storms also raises the cost of re-insurance rates which all carriers purchase for themselves to spread out the risks in areas of high risk. Once again this passes on higher costs to the consumers.

 

While you would normally think that no storms would bring in more competition, it has not happened and the trend looks as though the coastal insurance risks are steadily rising in price. This is very disturbing news as typically more competition breeds better pricing. We are all facing tough times in this recession and the insurance outlook has insurance agents and customers alike very worried about the future and future prices.

 

Here is hoping that our lawmakers will put in mandatory guidelines that ALL insurance carriers must actively and properly quote ALL risks and quit picking only the risks they WANT and leaving everyone else out to dry. As we speak there are standard insurance carriers constantly non-renewing policies and saying they do not want any risk towards the coastal areas. This pick and choose mentality is killing the consumers and we are forced to go through surplus insurance lines which are very costly.

Shop your policies as this is the only way now to see if you are getting the best rate possible !!

 

Thanks,

Lane McKinney

McKinney Insurance TWFG

 

Contact Us

 

Lane McKinney

(281) 996-0040

Owner and Agent

Email: lmckinney@twfg.com

 

Kristin Jones

(281) 996-0040

Office Manager

Email: kjones@twfg.com

 

Leanna Lopez

(281) 996-0040

Licensed Sales and Service Rep

Email: llopez@twfg.com

 

Kassandra Hinojosa

(281) 996-0040

Licensed Sales and Service Rep

Email: khinojosa@twfg.com 

 

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